Your medical costs in a year, and how to keep them down

Add the people in your family, their regular medicines and check-ups, and see what you spend on health in a year. Then see the everyday habits that prevent the most expensive problems.

A planning estimate, not medical advice. Never stop, skip or change a medicine to save money without your doctor: they know your health best. The ideas below are about staying healthy so that fewer problems start in the first place.

Who is in your family?

Tick any long-term condition someone has. For each person, enter what their regular medicines cost in a month (from your last bills) and how many times a year they see a doctor.

Other health costs for the family

Doctor's fee per visit (₹) Lab tests and scans a year (₹) Dental and eye care a year (₹) Colds, fevers and pharmacy items a year (₹) Health insurance premium a year (₹) Hospital costs not covered by insurance, a year (₹) Household income a year (₹, optional) Medical prices rise each year by (%)

The figures already filled in are only an example. Replace them with your own; your bills and insurance policy have the real numbers.

How this is worked out

Medicines = each person's monthly cost × 12. Doctor visits = visits a year × fee per visit. The other items are added as you entered them. The 10-year figure grows the yearly total by the price rise you chose, because medical prices usually rise faster than other prices.

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Sources: WHO: physical activity ↗ · WHO: salt reduction ↗ · ICMR-NIN Dietary Guidelines for Indians 2024 ↗ · Income-tax Act 2025, section 126 ↗

Please talk to your doctor before changing your diet, exercise or medicines, especially if you have a long-term condition. Costs here are estimates for planning only. Tax rules and insurance terms change; check with a tax adviser and your insurer.